More often than not, I am green with envy while looking at the success of people around me, their fulfilled lives - great jobs, smartness, financial wellbeing and the list goes on.

Here I am, struggling to make ends meet so that I can fulfil my everyday obligations as my dues constantly stack up in the liability account.

“Another two weeks to go before the month ends”, I murmur to myself “All is well, this too shall pass”.

As soon as I finish cajoling myself, my wallet echoes a contrasting story. I worry whether the remainder of my salary will last to meet expenses until the weekend.

Trapped in my mind, the last thing I expected was a call. “Who is it?” Oh, it was one of my relatives who wanted to remind me to fund the yearly family tradition by the end of next week. “Great”, I told myself. “It is a family custom, but I just don’t have enough money.” Here was another addition to my growing stack of worries.

Just when I thought I was done with the surprises for the day, I got a text message from my colleague reading “Let’s go on a two-day trip to Goa. Are you in?”

Wow, wouldn't that be amazing? I started imagining two days of heavenly pleasure, away from all my worries. Oh, wait! What was I thinking? I should have read the rest of the message - “The cost of the trip per head is expected to be Rs. 15,000.”

I consider giving up. But could I?

Emotional messages followed when I tried to ignore my friends. “This is our first trip to Goa, everyone has to go, dosti ki kasam.”. “Another dent in my pocket”, I whispered to myself.

In a jiffy, I logged into my savings account, prayed to Goddess Laxmi to be generous. Was she? My bank balance as expected was Rs, 4758.55 only. I turned off my laptop and slipped into a deep slumber to overcome my disappointment.

My story, plans, circumstances and of course my bank balance might be different from yours. But haven’t you ever had this feeling of disappointment that comes with an unplanned month?

To spare yourself this hassle, all you have to do is invest your monthly income into liquid funds and spend what remains thereafter. This will encourage you to save before you spend while curtailing unwanted expenses.

The advantage of investing in liquid funds is that you could get upto 8%* interest on your investments as opposed to just 4%* that your savings account offers. What’s more, with zero lock-in period, you can withdraw your money whenever you require it with ease. The profits that you gain can be used for smarter budgeting too.

Having a budgetary plan is of utmost importance as it gives us the right direction on how to use the money that we have in the best possible way. My money is a crucial platform that’ll help you achieve the same.

If you want to start afresh with your budgetary plans just like me, click here to avail smart budgetary planning, now made easy!

Financial planning is a process that provides you with (a) A scientific way to manage your finances. It helps individuals make calculated provisions to align their future goals and requirements. and (b) a personal goal plan that enables users to realize objectives for their future.
5nance makes use of an innovative financial planning software to analyze your existing portfolio and set up plans to meet those objectives.
We offer financial planning tools and services like budgeting, investment planning, insurance planning, cash management, retirement planning and real estate planning.

Who is a financial planner? How can 5nance.com help you plan better?

A financial planner is an expert who advises users to manage money in a methodical manner. Our personal finance software plays the role of a budget planner and helps users plan their goals and make goal based investments..
Our integrated financial accounting software helps users identify their financial requirements, present priorities, future needs and products that are most suitable to meet their needs.
We provide tools that allow our users to create monthly investment plans, track spending patterns and optimize savings.

How does 5nance.com create an individual’s personal financial plan?

As a personal budget software, we take care of user’s money management needs such as budgeting, expenses tracking and savings optimization.
You can expect comprehensive financial planning and best investment recommendations from our investor friendly portal.
We provide real time portfolio tracking and put out timely alerts and research calls to optimize returns on their investments.
Online automated advisory and services offered by us is absolutely free of cost. Users can make investment through our portal without incurring any expenditure.

How is 5nance platform different from others?

Like a personal budgeting software, 5nance.com offers a platform that enables users to go for budgeting, planning, advisory, portfolio tracking and investments in just few clicks.
We allow users to link their bank accounts with our portal to facilitate ease of operation.
Users can execute financial transactions and get prudent advisory at zero cost.

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incidental to its primary activity. For products other than mutual fund, no recommendation is provided in any form by Innovage Fintech Private Limited.
Advisory Services on 5nance.com is provided by Innovage Investment Advisers Private Limited, a SEBI registered Investment Adviser having registration no. INA 000003809 (Valid till 12.11.2020).